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Insurance Solutions for Design and Construct Professionals

Design and construct professional indemnity insurance acts as your financial shield, covering costly errors in your design, specification, or project management.

Imagine you hand over a completed building project, only for a faulty design flaw to trigger structural cracking months later. In a flash, you are facing massive rectification expenses, legal fees, and potential damage to your professional reputation.

As Sydney’s leading business insurance brokers, CIG does the heavy lifting for you. We compare policies across Australia’s major insurers, to offer indemnity coverage for construction firms for both design and build contractors.

Partner with CIG’s insurance brokers and lock into the right protection today.

Who Needs Design and Construct Professional Indemnity?

Chances are, if you work in construction, you carry more risk than you realise. Design and construct professional indemnity insurance protects building contractors, construction firms, and project managers from financial loss if a project failure occurs due to errors in design or management.

Below are the businesses that trust us to protect their operations.

What Does a Design and Construct Policy Cover?

A design and construct policy provides protection across a broad range of professional and construction related risks. While exact terms differ between insurers, most policies share a common set of coverage areas.
Civil liability for professional services sits at the centre of the policy. If your design work or project advice leads to a third-party loss, the policy responds to claims made against you.

Beyond that, you’re typically covered for:

  • Faulty designs and inaccurate specifications
  • Breach of professional duty, including errors, omissions, and negligent misstatements
  • Breaches of consumer legislation (misleading conduct claims)
  • Defence costs and legal expenses
  • Sub-consultant liability, when work you’ve outsourced to professional triggers a claim
  • Rectification costs

When Design Becomes Part of the Build

Picture this. A mid-sized builder wins a government school project. Six weeks in, the principal novates the architect’s design contract across to the contractor. Overnight, the builder isn’t just pouring slabs and hanging frames. They now carry full responsibility for the design, including every specification the architect produced before they even tendered the job.

A retaining wall fails eighteen months after handover. The root cause traces back to a drainage detail in the original design. The standard construction policy won’t touch it. Design related claims fall outside its scope entirely.

That builder now needs to construct a legal defence out of their own pocket. This is the exact gap a dedicated design and construct insurance exists to fill.

How Our Process Works

Detailed Assessment of Your Design and Construction Risks

We start by listening. Whether you’re a builder taking on design responsibility for the first time or a firm running multiple design and construct contracts, we map out your project types, contract structures, sub-consultant arrangements, and novation exposure to uncover hidden risks.

Compare Policies From Australia’s Top Insurers

We put your risk profile to the market and compare design and construct insurance options from leading Australian insurers, laying out clear coverage terms and competitive premiums.

Tailor Your Sums Insured & Limits

Standard policies leave dangerous gaps. You’ll receive a policy quote tailored to your project values, contract types, and the scope of design liability you actually carry, so you’re fully protected without overpaying.

Partner for the Long Term

Unlike traditional brokers, we don’t disappear once the policy is placed. When a design-related claim lands on your desk, we manage it directly with insurers and assessors. As your project pipeline grows or your contract structures change, we adapt your coverage to stay aligned.

Ready to get started? Get in touch with a CIG broker today.

Why Use an Insurance Broker for Your Design and Construct Cover?

A broker unlocks market options and better rates you can’t get on your own, saving you money for the long haul. Better yet? When you have a claim, we do the heavy lifting, dealing with the insurer directly and advocate for your payout.

Better options. Zero hassle. Your personal insurance ally.

What Sets CIG Apart?

When a design defect surfaces mid-build and a client is threatening legal action, you need a broker who moves fast and knows construction liability inside out. That’s why Australian builders and contractors trust CIG to find and manage the right design and construct insurance for them.

Built for the Way You Deliver Projects

Whether you’re a builder carrying novated design risk on a single project or a firm managing multiple design and construct contracts across different states, we build cover around your actual project portfolio, contract structures, and liability exposure.

Proactive Claims Management

When a design flaw triggers a rectification demand, a specification error causes site delays, or a sub consultant’s work leads to a third-party loss, we don’t hand you a phone number. We step in to manage the claims directly with insurers, and advocate for your best financial outcome.

A Team That Knows Construction Liability

Led by Director Jeff Tyler, our brokers have spent years placing cover for builders, project managers, and design and construct contractors. That hands-on experience, combined with strong underwriter relationships in the professional indemnity space, means we know which insurers actually pay claims and which policies leave gaps.

FAQs Design and Construct

Does standard professional indemnity cover design and construct work?

Usually not. Standard PI policies are written for pure design professionals and typically exclude physical construction activities. If your contract combines design and build, a standard policy likely won’t respond when a claim hits.

What happens if a design defect causes a construction claim?

A design and construct policy covers your defence costs and compensation for financial losses caused by design failure during construction. Without it, you’re paying for lawyers and rectification out of your own pocket.

How do I get a design and construct insurance quote?

Get in touch with us at CIG. We’ll review your project scope and design exposure, then go to market across our insurer panel. Fill out our proposal form or give us a call to get started.

Design and Construct Insurance Starts with CIG

Protect your business from design liability today.

When your contracts carry both design and construction risk, one uncovered claim can stall a project and drain your bottom line. CIG keeps your business protected, compliant, and moving forward.

Protect your business today with tailored protection by speaking to an experienced CIG insurance broker today and lock in the right cover.

Curious about Design and Construct Insurance?

Speak To One Of Our Brokers Today